2009 Zirk Ave #6
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2009 Zirk Ave #6

Btop 30%

Chula Vista, CA 91911

$586,900
STR limited · Chula Vista residents only · TOT 10%

An HOA may ban rentals of 30 days or less (Civ. Code §4741): check the CC&Rs.

Pass at asking: -$2,608/mo full cashflow at 20% down, 7.43% rate.

Works at $247,375 (58% under asking), or at 84% down.

Rent $3,127/mo from 16 leases of 2-bed condos & townhomes within 2 mi ($3,263–$3,467).

Beds

2

Baths

2

Sqft

1,331

Year Built

2026

Days on Market

142

Property Type

Condo

HOA/mo

$508

MLS ID

260015087SD

This property is in Chula Vista (91911). Browse neighborhood analytics →

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About This Property

This new three-story townhome ready for move- in Oct/Nov 2026, delivers modern design ready for any lifestyle. The second floor features an open plan with a Great Room that flows naturally into the dining room and kitchen—all extending to a welcoming deck where indoor and outdoor living blend effortlessly. The third floor is made for rest and relaxation, with a generous owner's suite complete with spa-inspired bath and walk-in closet, plus a second bedroom steps from a full bathroom.

Mortgage Calculator

Est. Monthly Payment

$4,527

Principal & Interest$3,260
Property Tax$587
Insurance$171
HOA$508
%($117,380)
%
Loan Term

Location

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Investment Score

40B
Est. Monthly Rent
$3,127

16 leases of 2-bed condos & townhomes within 2 mi · $3,263–$3,467

Blended 50/50 with the zip's market median ($2,944)

Monthly Cashflow

Rent − PITIA

-$1,399
Full Cashflow

Incl. vacancy, PM, maint, capex

-$2,608

What would make this work?

$2,608/mo short at 20% down; 84% down or +$3,387/mo rent closes it.

Break-even price

58% under asking

$247,375
Break-even rent

$3,387/mo above the estimate

$6,514/mo
Cashflow at 35% down
−$1,996/mo
Down payment to break even

$492,996 cash

84%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$3,260
Cap Rate
1.65%
Cash-on-Cash
-26.66%
DSCR

Need ≥ 1.25 for DSCR loan

0.69

NOI (Annual)
$9,710
Price-to-Rent

Lower = better for investors

15.6

* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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BCashflow−$2,608/mo